Most restaurants need more than just basic liability coverage. At minimum, you’ll want protection for your space, your equipment, your staff, and your customers.

Here’s what that usually includes:

• General Liability – Covers customer injuries, property damage, and legal claims.

• Commercial Property – Protects your building (if you own it), furniture, kitchen equipment, signage, and inventory.

• Business Interruption – Helps replace lost income if you’re forced to close temporarily due to a covered incident.

• Workers’ Compensation – Required in most states if you have employees. Covers workplace injuries and medical costs.

• Equipment Breakdown & Food Spoilage – Covers costly surprises like a broken fridge or inventory lost in a power outage.

• Liquor Liability – If you serve alcohol, this covers claims related to overservice or alcohol-related incidents.

• Cyber Liability – Helpful if you take digital payments or store customer data.

Every restaurant is different, so we’ll walk you through what makes sense for your size, operations, and lease requirements. No fluff—just the coverage you actually need.

→ Want help figuring out what’s right for your restaurant? [Start here.]